Refinance mortgages with cash out at the lowest rate.

Today's abundance of new ideas about mortgage refinancing has changed how home owners' view their
homes and their credit. By going through the mortgage refinancing process, many borrowers learn that a
mortgage isn't simply a way to purchase a house over time; it's also a valuable and flexible credit resource that
can be managed to provide a high level of comfort and financial security. Whether you're interested in mortgage
refinancing in order to capitalize on today's low mortgage rates for strategic debt management, or as a way to
fund an important expense like a needed home addition, improvement or a child's education, there are several
ways to help you determine the right solution for your needs. Just by understanding how your mortgage can
work for you, instead of against you, can help you enjoy the feeling of financial security and freedom.
Completing and submitting this simple, fast form will provide the information that's needed to start you down
this path towards greater financial peace of mind.

Mortgage refinancing may just be the answer to your financial concerns, and since there's no obligation
whatsoever, and it costs nothing to get a quote, there's simply no excuse for waiting. Start growing your
financial security and peace of mind today!

For fast answers on refinancing mortgages, home refinance
with cash out, interest only loans, "pick a payment" refinances,

and other high LTV mortgages for owner occupied, Non-Owner
Occupied (NOO), second homes and investment property,

... in all 50 states.

Why should I refinance?

Are there really loans available with "no closing costs"?

Can my closing costs be financed into the loan?

Are interest rates higher if I get "cash out" when I refinance?

Should I "pay points" to get a lower interest rate?

How long does the refinance process take?

How much will my closing costs be?

Will I have PMI on my refinance loan?

Should I refinance from an Adjustable Rate Mortgage (ARM) to a Fixed Rate Mortgage?

I believe I have bad or poor credit. Can I still refinance?

Is the "pick a payment", 12 MAT with average start rate of 1.95% available as a refinance loan?

In a nutshell... refinancing replaces your existing mortgage loan with another, lower interest rate loan for
the same amount owed, or possibly more. This can save you a very substantial amount of money when
market rates drop one or more percentage points lower than your current rate. Refinancing can be smartly
used to lower your interest rate, change the term of your loan, consolidate debts, and more.

A.- Whether it makes sense to refinance or not, greatly depends on what your financial goals are. For
instance, a lower interest rate and lower payments are very good reasons to refinance, but there are other
issues to consider. Here are a few things to think about when evaluating, if a refinance does makes sense...

-- How long do you expect to live in the home or keep it?

-- How much equity do you have in your property?

-- Will your lower monthly payments and cash out... if any, more than make up for your closing costs and fees?

A Mortgage Match Senior Loan Consultant can help you decide if refinancing is a smart move... and if it is,
also recommend the mortgage program or programs which would best help you achieve your goals at the
lowest possible cost.

A percentage drop of just one half to three quarters of a percentage point can lower your mortgage payment.
And, a drop of one, full percentage point will definitely lower your payment. If you don't refinance, you may be
paying too much every month for your loan, and that's never a good financial move.

There are actually three ways refinancing can lower your payment. The first is simply to refinance at a lower
interest rate. You can also change the term or length of your mortgage to lower your payment. Switching from
a 15- to a 30-year term can significantly lower your mortgage payment. But, if long-term savings is more
appealing to you, refinancing from a 30-year to a 15-year mortgage can save you thousands of dollars over
the life of your loan. The third way to lower your payment is by switching from a traditional mortgage with
principal and interest payments... to a mortgage program that allows interest only payments.

Think of the equity, and the increasing value in your home as a savings account that you can access
through a "cash-out" refinance. You may want to finance an important home improvement or addition that
will increase the value of your home, pay for college or pay off high interest credit card debt . Whatever your
reason, this may be the right option for you, and a very smart financial move.

From a financial viewpoint, the difference between high-interest, credit card debt and a mortgage may be
very substantial, and can potentially mean a difference of thousands of dollars. Why?... because credit card
debt is compounded... where the interest on a mortgage is simple, and usually tax deductible. Using the
equity in your home, rather than credit cards and other forms of revolving or installment credit, to finance
expensive purchases may save you "big" money that goes toward the payment of interest. Be sure to
consult your tax advisor.

Use the length of time you plan on living in or keeping your home to your maximum financial advantage. If you
plan on owning your home for just a few years, a higher interest rate, that is usually an element of a fixed rate
mortgage loan, may be costing you money every month. You should consider a refinance, and switch to an ARM
loan that may provide a much lower monthly payment. On the other hand, if you presently have an ARM loan,
and plan on keeping the property longer than the fixed period (2 to 7 years) of your adjustable rate mortgage, it
might be a wise move to convert or refinance to a fixed rate mortgage for its stability.

If you purchased your home with less than 20% down, you may have private mortgage insurance (PMI)
premiums to pay along with your monthly principal and interest payments. However, your equity position in your
home has probably increased through your paying the mortgage down. Plus, your home's appreciation and
rising market value may now have you exceeding that 20% figure. However, you may not yet be able to cancel
your mortgage insurance.

A.- This can very often be an "advertising" gimmick. In reality, there are few loans out there which truly have
no closing costs. Sometimes, lenders will not charge application fees and agree to pay the appraisal and
title fees, but they may increase the interest rate. Lenders can also roll the costs into the amount of your
loan. So, because you're not paying costs up front, it's called a "no closing cost" loan. While slightly
increasing your mortgage might be acceptable to you, keep in mind that despite the fact you're not paying
"upfront" costs, it's not really a loan without costs.

The interest rates shown in the graph above are based on national daily averages. The rate you qualify for may be significantly
higher than those shown here. Rates offered to individual borrowers are based on that borrower's credit profile and unique
borrowing situation. Additionally, many factors determine the actual rates available. Among those factors, rates vary per lender,
by loan program, by regional location, and are determined at the sole discretion of the specific lenders.

A.- The "pick a payment" or 12 MAT loan have become popular names for loans whose hallmark is providing
the borrower with 4 different payment choices every month... along with a very low start rate. This loan is
actually an "option arm" which can be tied to the MTA, COSI, COFI or LIBOR indexes for their periodic rate
adjustment. "MAT" is a simple rearrangement of the letters pertaining to the "MTA" (Monthly Treasury Average)
index. But, 12 "MAT" has become the popular name for this loan even when its index is tied to the COSI (Cost
Of Savings Index), for instance. This can be a great loan for mortgage refinancing as it gives the homeowner
and borrower maximum control over financial management of cash flow and mortgage payments. One of its
payment options is based on its start rate which averages about 1.95% Additionally, it features an interest only
option, and 30- and 15-year amortization schedules. To learn more about the, "pick a payment" or "12mat"
loans, please click here.